Many Americans in the 50-55 age range have 10 to 15 work years left, extending 401(k), IRA growth investing, but they can't afford an ill-timed market crash.

Around four in 10 U.S. Gen Xers, and even some baby boomers, haven’t saved for retirement—as current retirees who didn’t save enough endure a “nightmare.”

Many Americans in the 50-55 age range have 10 to 15 work years left, extending 401(k), IRA growth investing, but they can't afford an ill-timed market crash.